Online Banking


Personal & Business Financing

Personal Loans for everyday situations

Being your neighborhood community bank, we pride ourselves on being able to focus on our customers individually. This means a much faster turnaround on your loan request, along with a variety of other products and services designed to fit your individual needs. You may need a consumer loan for a variety of reasons:

Consolidate Debt*

Consolidating debt with a Personal Loan can help you reduce interest costs and pay off debt faster.

Fund Home Improvements

Start your home improvements tomorrow, without a lengthy application process.

Manage Cash Flow

A Personal Line of Credit gives you easy access to funds at a low, competitive rate.

Pay for Unplanned Expenses or Special Events

Access funds fast for an unplanned expense or one-time event.

We can offer you:

Home Equity Line

With a Home Equity Line of Credit from Central Bank, you have the advantage of using the equity in your home when you need it. Once you establish your line of credit, simply borrow the money when you need it with flexible repayment options. Other advantages would be:

To apply for a home equity line of credit, please contact the following team members:

Michael F. Carr NMLS# 792297 
Phone: 813-549-4206

Scott Mathew Kohler NMLS# 591158 
Phone: 813-549-4211

Manufactured Home Lending

At Central Bank, our Manufactured Home Lending Program allows you the flexibility to own the home of your dreams no matter what stage of life you are in. So if you are ready to retire and live in one of the many lifestyle communities or looking for a home in wide open spaces in our area, let Central Bank help make your dream come true.

Central Bank has financing programs for:

Contact Mike Carr today and we will put over thirty years of manufactured home lending experience to work for you.  Michael F. Carr NMLS# 792297 Phone: 813-549-4206

Business Financing Solutions

When it's time to move forward with your business—whether it's to buy property, equipment, construction, inventory, or just about any other need,—Central Bank can help with a customized loan. We offer a wide array of options, with quick, local decision making and some of the most competitive business loan rates in the Tampa Bay Area. And our friendly loan experts will provide the personal service that can only come from a local banking leader. We are focused on you and your business.

Lines of Credit

A business line of credit provides easy access to working capital to help accommodate seasonal credit demands of your business, along with fluctuations in your cash flow.  A line of credit can help you acquire short-term assets, such as inventory, in anticipation of future sales. 

Term Loans

A business term loan is a perfect long-term financing solution for bigger investments such as equipment, business expansion, ownership restructuring, and capital improvements. 

Vehicle and Equipment Loans
Central Bank can provide business financing solutions for equipment and vehicle purchases to ensure that your business has the tools it needs to grow and thrive.    

Commercial Real Estate Loans

Commercial real estate loans will finance purchasing, improving, expanding or refinancing commercial property.  Central Bank works with all types of properties – Owner Occupied, Mixed Use, Multi-Family Dwellings, Income Producing Investment and Acquisition/Construction Lending – and will find the best lending solution to fit your business need. 

Small Business Administration (SBA)

If you’re planning to start a business or expand an existing business, Central Bank is well-versed in Small Business Administration (SBA) loans.  The SBA offers a variety of business loan programs designed to help business owners qualify for a traditional bank loan. Contact our SBA/USDA Loan Specialist

7(a) Loan Program provides financial assistance for starting, acquiring and expanding a small business.

504 Loan Program provides financial assistance to growing businesses with long-term, fixed-rate financing for major fixed assets, such as equipment and real estate.

USDA Rural Development

USDA Rural Development forges partnerships with rural communities, funding projects that bring housing, community facilities, business guarantees, utilities and other services to rural America. USDA provides technical assistance and financial backing for rural businesses and cooperatives to create quality jobs in rural areas. Rural Development promotes the President's National Energy Policy and ultimately the nation's energy security by engaging the entrepreneurial spirit of rural America in the development of renewable energy and energy efficiency improvements. Rural Development works with low-income individuals, State, local and Indian tribal governments, as well as private and nonprofit organizations and user-owned cooperatives.

Letters of Credit

Central Bank can help you structure letters of credit that meet the needs of your specific trade or standby transaction.

So remember, Central Bank can offer:

 Focused on You!

Fast Facts on SBA vs USDA Loan Guarantee Programs


SBA 7a

USDA Rural Development

LOAN AMOUNTS $5 Million maximum $10 Million maximum (generally)
GUARANTEES 75% 80% on loan amounts under $5 Million
70% on loans between $5 - $10 Million
LOAN TERM *25 years for real estate
*15 years or useful life of equipment
*7 or 10 years for working capital
*30 years for real estate
*15 years or useful life of equipment
*7 or 10 years for working capital
PROPERTY TYPE Owner occupied commercial property Owner occupied OR investment property
INTEREST RATE Variable Fixed or Variable
PREPAYMENT PENALTY 5%-3%-1% for loan terms over 15 yrs. Negotiated between parties
LOCATION RESTRICTIONS None Must be located in "rural" location outside of metropolitan areas
LENDER'S LOAN FEES None Negotiated between parties